Greetings
I'm in the process of claiming back money from LloydsTSB and surely cannot be the first to notice that many of these carges have gone *up* recently. For example, the overdraft excess fee (basically an unarranged borrowing fee) has increased from £20 to £30 in just over a year.
A 50% annual increase! How can this possibly reflect an increase in actual costs - therefore this is more evidence that this is a penalty charge, not a service cost. The letter is printed and sent by computer, without even a human signature, and I would have thought that because of tech improvements,